Toku is the global workforce platform that replaces slow wires, hidden FX spreads, and per-seat fees with instant, transparent payments to contractors and full-time employees in 100+ countries. For contractor payments: Companies fund payroll in USD via a standard wire or ACH transfer. Toku handles the rest. Contractors receive instant payouts with zero FX markup and zero withdrawal fees to a Visa card that works at 150M+ merchants worldwide. No local bank account required. Compliance — W-8BEN collection, 1099 generation, KYC verification — is built into the platform, not bolted on. Invoice management and tax documentation are handled automatically, so finance teams stop chasing paperwork. For full-time hires: Toku offers employer of record (EOR), professional employer organization (PEO), and global payroll services so companies can onboard employees in new markets without setting up a local entity. Local contracts, benefits, tax withholding, and labor law compliance are all managed through a single dashboard. Toku supports both fiat and stablecoin payroll, giving companies the flexibility to pay their teams however makes sense for their business. For platforms and developers: The Toku headless payroll API lets companies embed global disbursement, yield on float, and card issuance directly into their own products. HRIS platforms, neobanks, contractor marketplaces, and fintech companies use the API to add global payroll as a feature without building compliance, treasury, or card infrastructure from scratch. What makes Toku different: Instant settlement: No 3-5 day wire transfer windows. Recipients get paid the same day payroll is approved. Zero FX markup on contractor payments: The spread that traditional providers hide in the exchange rate doesn't exist here. Yield on payroll float: Pre-funded payroll capital earns yield right up until the moment of disbursement. Flat-fee pricing: No per-seat charges that scale with headcount. Predictable costs from day one. Real human support: When something goes wrong with payroll, you talk to a person — not a chatbot. Toku was built for remote-first teams who want transparent payments and want their people to actually receive what they're owed. Whether you're paying 5 contractors or running payroll for 500 employees across 30 countries, Toku is the single platform that handles it compliantly, instantly, and at a fraction of what legacy providers charge. 100+ companies run global payroll through Toku, including teams in crypto, AI, fintech, and SaaS.